Skip to content

Managing your family's cover

No matter what your family looks like, it’s important to have peace of mind that the whole family is taken care of.

Planning for a baby?

There’s so much to plan for when you’re having a baby so, if possible, it’s recommended that you get your health cover in order well before you think about conceiving. This will help to minimise any stress, as well as any out-of-pocket expenses.

Check your current hospital cover

You’ll need check whether your hospital cover includes pregnancy and birth services, as you may need to upgrade your membership before becoming pregnant. This is because pregnancy and birth services carry a 12-month waiting period.

Upgrade to a family cover

Upgrading to a family cover will ensure you/your partner and your baby are covered.

Check your current hospital cover

You’ll need check whether your hospital cover includes pregnancy and birth services, as you may need to upgrade your membership before becoming pregnant. This is because pregnancy and birth services carry a 12-month waiting period.

Upgrade to a family cover

Upgrading to a family cover will ensure you/your partner and your baby are covered.

Upgrading to family cover

Pregnant woman holding belly while working on laptop at home

If you’re a soon-to-be parent on a single membership, and you have the right hospital cover, you can receive benefits for the costs of the birth but not for any costs incurred for the baby.

To make sure that your baby is covered and a 12-month waiting period doesn’t apply, we encourage you to upgrade your cover from single to family when you become aware of the pregnancy, so the baby is covered from birth. Doing this will protect you and your family if there is a complication, or the baby is premature.*

At a minimum, you need to upgrade to a family membership at least two months prior to your expected due date. This guideline applies to any individual covered under a single or couple membership who wishes to add a baby to their cover.**

Newborns

A Newborn baby boy breastfeeding for the first time.

Newborns

You’ll need to let us know soon after the birth so we can make sure the baby is listed on your membership. By adding your baby as soon as possible after birth, you can make sure the admission process will be smooth if your baby needs to be readmitted to hospital. We’ll allow up to a maximum of 12 months for you to add your newborn to an existing family membership before waiting periods begin to apply.

Find out more information in our Planning to have a baby factsheet.

Are you an overseas visitor?

For overseas visitors who are eligible for RHCA benefits, adding your newborn in a timely manner is encouraged for tax-related purposes, such as the Medicare Levy Surcharge (MLS). Contact us if your baby has a different residency or Medicare eligibility status than you do.

Frequently Asked Questions

*Subject to applicable Hospital excess, and waiting periods being served. Other conditions and exclusions apply.

**Other conditions and exclusions may apply. Additional information may be required.